Checking | PNC

What is Virtual Wallet?

Virtual Wallet helps you spend, save, and grow your finances.

Manage your money online with Virtual Wallet

Pay your bills, track your spending by category, set savings goals, and more with Virtual Wallet online tools. Explore money management tools »

Virtual Wallet is made up of Spend (your primary checking account), Reserve (for short-term savings) and Growth (for long-term savings) accounts.

Select the type of Virtual Wallet that best suits your needs:

Virtual Wallet Overview

Virtual Wallet with Performance Select

If you want premium account features with the highest level of rewards and benefits

No fees for using non-PNC ATMs. Other banks' surcharge fees are reimbursed^[1]
Free transactions at approximately 9,000 PNC ATMs^[2]
Multiple ways to avoid monthly service charge

View Account Details

Apply Now

Virtual Wallet Overview

Virtual Wallet with Performance Spend

If you want rewards for your broader banking relationship

Some fees for using non-PNC ATMs are reimbursed^[1]
Free transactions at approximately 9,000 PNC ATMs^[2]
Multiple ways to avoid monthly service charge

View Account Details

Apply Now

Virtual Wallet Overview

Virtual Wallet

If you want basic account features

Free transactions at approximately 9,000 PNC ATMs^[2]
Earn cash with PNC Purchase Payback^[3]
Multiple ways to avoid monthly service charge

View Account Details

Apply Now

Virtual Wallet Student Overview

Virtual Wallet Student

If you are a student and want tools and resources that can help you keep track of your money.

No monthly service charge for the first 6 years from the date of account opening^[4]
Reimbursement of the fee for the first two domestic or international non-PNC Bank ATM transactions made on your Spend, Reserve or Growth accounts per statement period^[1]
$5.00 reimbursement of other financial institutions’ ATM surcharge fee per statement period^[1]
Free transactions at approximately 9,000 PNC ATMs^[2]
PNC Bank Visa^® Debit Card

View Account Details

Don't see what you're looking for?
Contact us to discuss other checking products that are available.

Schedule an appointment »

Is this your zip code?

PNC product and feature availability varies by location. By using your zip code, we can make sure the information you see is accurate.
If your zip code above is incorrect, please enter your home zip code and select submit.

Important Legal Disclosures and Information

In the event PNC determines that there has been fraudulent or excessive ATM usage on the account, PNC is not obligated to reimburse any related surcharge fees, and any related reimbursements must be repaid. Surcharge fees not identified within the transaction by the originating financial institution may not be reimbursed. Any fee reimbursements occur at the end of the statement period.

When depositing checks at an ATM, you may receive an offer to choose PNC ExpressFunds, an optional service that makes your funds available faster for certain purposes. There is a fee for this optional service. If you decline the offer, you will still be able to make your deposit.

Offers are available from participating merchants. Your personal banking information is not shared with the merchants participating in PNC Purchase Payback. Whether you receive offers may depend on using your PNC Visa Card, or where you use your PNC Visa Card to make purchases. Not everyone will get the same offer.

Virtual Wallet Student has no minimum balance requirement or monthly service charge for active students for six years from the date of account opening. You may be asked to provide proof of active enrollment in a qualifying educational institution. At the end of the six years, your account will be converted to Virtual Wallet and subject to the Virtual Wallet Features and Fees in effect at that time. If you transfer this account to a different product or account type during the first six years, you will forfeit the benefits of the Virtual Wallet Student account and will not be able to transfer back to the Virtual Wallet Student account.

Virtual Wallet is a registered trademark of The PNC Financial Services Group, Inc.

PNC Purchase Payback is a registered mark of The PNC Financial Services Group, Inc.

PNC SmartAccess and SmartAccess are registered trademarks of The PNC Financial Services Group, Inc.

Visa is a registered trademark of Visa International Service Association and used under license.

Bank deposit products and services provided by PNC Bank, National Association. Member FDIC

Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.

	Virtual Wallet	Virtual Wallet with Performance Spend	Virtual Wallet with Performance Select	Virtual Wallet Student
Best For	Those who want innovative online tools + basic account features	Those who want innovative online tools + premium account features	Those who want innovative online tools + rewards for a broader banking relationship	Those who want innovative online tools + student account features
Monthly Service Change	$7	$15	$25	No monthly service charge^[5]
No Monthly Service Charge if You Meet One of the Following	$500 or more average monthly balance in Spend + Reserve^[1] OR, $500 or more qualifying monthly direct deposits^[2] OR, account holder is age 62 or older	$2,000 or more average monthly balance in Spend + Reserve^[1] OR, $2,000 or greater, total qualifying direct deposits^[2] to the Spend per statement period ($1,000 for WorkPlace Banking or Military Banking customers) OR, $10,000 combined average monthly balance in PNC consumer deposits^[3]	$5,000 or more average monthly balance in Spend + Reserve and up to 6 additional PNC Bank consumer checking accounts^[4] you have chosen to link OR, $5,000 or more, total qualifying direct deposits to the Spend^[2] OR, $25,000 combined average monthly balance in PNC consumer deposits and investments^[3]	-
Free Use of PNC Bank ATMs	✔	✔	✔	✔
Some Fees for Using Non-PNC ATMs Are Remibursed^[6]	✔	✔	✔	✔
Check Writing	✔ Unlimited	✔ Unlimited	✔ Unlimited	✔ Unlimited
Overdraft Protection	Built-in with no setup or transfer fees	Built-in with no setup or transfer fees	Built-in with no setup or transfer fees	No setup or transfer fees
Free Online Banking and Bill Pay^[7]	✔	✔	✔	✔
Free Online Statements^[8]	✔	✔	✔	✔
Free Mobile Banking^[9]	✔	✔	✔	✔
Earn Cash with Purchase Payback^[10]	✔	✔	✔	✔
Higher Relationship Rates on Savings Accounts^[11,12]	✔ On the Growth account within Virtual Wallet	✔ On the Growth account within Virtual Wallet Performance Spend	✔ On the Growth account within Virtual Wallet Performance Select	-
Discount on Check Orders	-	✔ $8 discount on select designs	✔ No charge for PNC Exclusive or $12 discount on select designs	-
Free Cashier's Checks	-	✔	✔	-
Free Stop Payments	-	-	✔	-
Discount on Safe Deposit Box	-	✔ $10 annually	✔ $100 annually	-
Free Domestic Wire Transfers	-	-	✔ $100 annually	✔ One incoming domestic or international wire transfer per statement period at no charge. (Spend account only)

Important Legal Disclosures and Information

For Virtual Wallet and Virtual Wallet with Performance Spend, the calculation of the $500 or $2,000 combined monthly checking balance requirement (respectively) includes the total of all funds in the Spend and Reserve from your package.
For Virtual Wallet with Performance Select, the calculation of the $5,000 combined monthly checking balance requirement includes the total of all funds in the Spend and Reserve from this package, and up to 6 linked “benefit” accounts if they are checking accounts. Some accounts may not be eligible to be included in the combined average monthly balance requirement based on titling structure, product type or other constraints.
A qualifying Direct Deposit is defined as a recurring Direct Deposit of a paycheck, pension, Social Security or other regular monthly income electronically deposited by an employer or an outside agency into the Spend account of a Virtual Wallet with Performance Select, Virtual Wallet with Performance Spend or Virtual Wallet. The total amount of all qualifying Direct Deposits credited to your checking account must be at least $5,000 for Virtual Wallet with Performance Select, $2,000 for Virtual Wallet with Performance Spend or $500 for Virtual Wallet. Credit card cash advance transfers, transfers from one account to another or deposits made at a branch or ATM do not qualify as qualifying Direct Deposits.
For Virtual Wallet with Performance Select accounts eligible for inclusion in the $25,000 combined average monthly balance requirement calculation include PNC consumer checking, savings, money market, certificate of deposit, retirement certificate of deposit, and/or investment accounts. PNC linked investment balances include investment balances from a PNC Investments account including the value of any annuities if they are reflected on the PNC Investments account statement. A maximum of eight (8) linked PNC accounts, inclusive of the Spend and Reserve for Virtual Wallet with Performance Select, may be considered in the combined average monthly balance relationship.

For Virtual Wallet with Performance Spend, accounts eligible for inclusion in the $10,000 combined average monthly balance requirement calculation include PNC consumer checking, savings, money market, certificate of deposit and/or retirement certificate of deposit. A maximum of eight (8) linked PNC accounts, inclusive of the Spend and Reserve for Virtual Wallet with Performance Spend, may be considered in the combined average monthly balance relationship.

Some accounts may not be eligible to be included in the combined average monthly balance requirement based on titling structure, product type or other constraints. Customer must request account be linked to receive relationship benefits.
Virtual Wallet Student has no minimum balance requirement or monthly service charge for active students for six years from the date of account opening. You may be asked to provide proof of active enrollment in a qualifying educational institution. At the end of the six years, your account will be converted to Virtual Wallet and subject to the Virtual Wallet Features and Fees in effect at that time. If you transfer this account to a different product or account type during the first six years, you will forfeit the benefits of the Virtual Wallet Student account and will not be able to transfer back to the Virtual Wallet Student account.
For additional information, see the Virtual Wallet Features and Fees or Consumer Schedule of Service Charges and Fees.
Online Banking is free to customers with an eligible account; however there may be a fee for certain optional services. We reserve the right to decline or revoke access to Online Banking or any of its services. All online banking services are subject to and conditional upon adherence to the terms and conditions of the PNC Online Banking Service Agreement.
A fee may be charged if a paper statement is requested in addition to the online statement for an account.
PNC does not charge a fee for Mobile Banking. However, third party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply. Also, a supported mobile device is needed to use the Mobile Banking App. Mobile Deposit is a feature of PNC Mobile Banking. Use of the Mobile Deposit feature requires a supported camera-equipped device and you must download a PNC mobile banking app. Eligible PNC Bank account and PNC Bank Online Banking required. Certain other restrictions apply. See the mobile banking terms and conditions in the PNC Online Banking Service Agreement.
Offers are available from participating merchants. Your personal banking information is not shared with the merchants participating in PNC Purchase Payback. Whether you receive offers may depend on using your PNC Visa Card, or where you use your PNC Visa Card to make purchases. Not everyone will get the same offer.
In order to qualify for a Relationship Rate, you must have a linked checking account (for the Performance Checking Relationship Rate, you must have a linked Performance Checking or Virtual Wallet® with Performance Spend; for the Performance Select Checking Relationship Rate, you must have a linked Performance Select Checking or Virtual Wallet with Performance Select) and meet one of the following requirements: Make a combination of 5 or more PIN and/or signature point-of-sale transactions (excluding cash advances) posted during the previous calendar month to your account using your Visa® Debit Card or to your linked Visa Credit Card. Have $2,000 in qualifying direct deposits ($1,000 for WorkPlace or Military Banking customers) in a linked Virtual Wallet with Performance Spend or Performance Checking during the previous calendar month. Have $5,000 in qualifying direct deposits in a linked Virtual Wallet with Performance Select or Performance Select Checking during the previous calendar month. (A qualifying direct deposit is a recurring electronic deposit made by an employer or an outside agency. Transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device or the mail are not eligible to meet this requirement.) Starting with the calendar month following when you open your Premiere Money Market account, and monthly thereafter, whether the account earns the variable Standard or Relationship Rate for the entire calendar month will be determined on the first of the month based upon the number of qualifying transactions or direct deposit requirement from the previous calendar month. If there are changes to your linked checking account (it is closed, changed to a new account type or no longer linked to your Premiere Money Market account), you may no longer qualify for a Relationship Rate, or the rates may otherwise change to those in effect at the time of the change. We will only link accounts at your direction. If you have not directed PNC to link another account to your Virtual Wallet, the accounts will not be linked and you will not receive a relationship rate, applicable waivers of monthly service charges, or other relationship benefits on your unlinked PNC accounts. The requirement that you direct us to link accounts in order for you to receive benefits applied to all of your PNC accounts.
In order to qualify for the Relationship Rate for Standard Savings, you must have a linked Standard Checking, Performance Checking, Virtual Wallet with Performance Spend, Performance Select Checking or Virtual Wallet with Performance Select and meet any one of the following requirements: Make a combination of 5 or more PIN and/or signature point-of-sale transactions (excluding cash advances) posted during the previous calendar month to your Checking account using your Visa® Debit Card or to your linked Visa Credit Card. Have $500 in qualifying direct deposits in a linked Standard Checking during the previous calendar month. Have $2,000 in qualifying direct deposits ($1,000 for WorkPlace or Military Banking customers) in a linked Virtual Wallet with Performance Spend or a Performance Checking during the previous calendar month. Have $5,000 in qualifying direct deposits in a linked Virtual Wallet with Performance Select or a Performance Select Checking during the previous calendar month. (A qualifying debit card purchase is defined as any debit card purchase made at point of sale using your signature PIN, or a purchase made electronically or online using your debit card number, including recurring payments.) Starting with the calendar month following when you open your Standard Savings account, and monthly thereafter, whether the account earns the variable Standard or Relationship Rate for the entire calendar month will be determined on the first of the month based upon the number of qualifying transactions or direct deposit requirement from the previous calendar month. If you or we make changes to your linked checking account (it is closed, changed to a new account type or no longer linked to your Standard Savings account), you may no longer qualify for a Relationship Rate.